A Comparative Study On The Development Of Green Finance In Chinese Commercial Banks

Due to the late development of green finance in China,our country’s development of green finance is relatively backward compared with foreign countries,and has not yet formed a mature green financial system.There are many shortcomings.The profit model of green projects is still not mature.Different types of commercial banks have large gaps in the development of green finance,lack of specialized institutional setup and professional staff,and products are relatively single.Many banks have to improve their enthusiasm for green finance business..Under such a background,it is of great practical significance to study how to promote different types of commercial banks in China to focus on actively developing green finance and to find distinctive development models.This paper firstly outlines the green financial connotation and the global green finance development process.At the same time,it analyzes the driving factors of green financial development.It also looks at China’s green financial market and outlines its development process,current situation and difficulties.The green financial business of commercial banks It plays a pivotal role in China’s green financial market.Through the analysis of the current status and problems of the development of green finance in commercial banks,it is found that there are differences in different types of commercial banks,which are different in terms of the nature of the enterprise,business style,business capability and development,which leads to green The difference between financial understanding and optimal development model.Therefore,this paper selects Agricultural Bank,Industrial Bank and Huzhou Bank as the case for the specific analysis in the three categories of state-owned banks,joint-stock banks and city commercial banks.The basic compared dimensions are internal management(including strategic planning,institutional design),business operations(including green product systems,peer-to-peer cooperation),profit(profitability of green financial business),learning and growth(including specialized institutional settings and professional staff),Customer and social satisfaction(increased social reputation).The empirical analysis proves that the development of green financial business is positively related to bank profitability,and the positive correlation coefficient between profitability and the green credit ratio of joint-stock banks is the biggest,which helps commercial banks to actively carry out green financial business and strive to improve green products.response rate.And the development of green finance can improve the bank’s social reputation,especially for the less well-known central city commercial banks.Finally,a comprehensive comparison result is formed.Through this,the overall inquiry of green finance and the horizontal comparison between industries are beneficial to the mutual learning of different types of commercial banks,and the difference between different types of banks can be found,helping different banks to locate and identify each other.Learning benchmarks to jointly promote the development of green finance in China.Explore the development of China’s commercial banks’ green finance business and make recommendations on the development models that can be adopted by the three types of banks.